Ongoing additional costs - Realistic?

Always these tricks of the insurers

But you'd better ask again. Better safe than sorry.

Good morning,

we tried over the weekend to forecast our liquidity in-house. The list here helped me a lot. Was the incoming statement actually updated after the insurance digression?

At least now we are expecting similar insurance costs overall. I will put the optimization of the contributions on the agenda 1-2 years after moving in.

But we’d rather not lease the ID.3 for now and wait to see how the money settles.

On the topic of changing insurance:
Doesn't this now appear in the Schufa?
To my knowledge, providers can reject you later (after cancellation and switching). Then you are practically listed on a blacklist and no one wants you as a customer.

Strange from my point of view is that natural hazard damages are unlimited, but damages from precipitation are only insured up to 2000 EUR.

Wherever the boundary might be drawn.

The former is the natural force itself, the second largest is the damages that result only from the consequences. Creeping rainwater over a period is therefore not a natural hazard damage, but merely rainwater that later causes damage.

About changing insurance: Doesn't that now appear in the Schufa? To my knowledge, providers can later reject you (after cancellation and switching). Then you are basically listed on a red list and no one wants you as a customer.

It does not appear in the Schufa. But insurers have their own lists. Theoretically, it is possible that insurance shoppers get rejected. But it is probably really only theoretical. I change my car insurance every year. No one has ever rejected me. They just cancel you faster after claims than they would with long-term customers. I once had 2 self-inflicted accidents in a short time (before that, nothing for 10 years). Then I wanted to insure a motorcycle – the insurer didn’t want that. I was basically already on the chopping block :D

That would be new to me too. We do switch regularly and there have never been any problems. We have never been rejected by any insurance. I also wouldn’t know why. We pay our contributions for one year and most contracts usually last that long. If the offer is still good after the year, we stay. I believe that apart from my legal protection (problems with the employer during pregnancy), I have never reported a claim to an insurance. That is certainly more of a problem than switching insurance.